Risk grade updatedRisk gradeEvidence verified
1 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Punctum & Studium Oy
Punctum & Studium Oy's registered office is Riihimäki. It is a limited company. The company was established on 2019-11-20. It operates in the industry of research and experimental development on social sciences and humanities. In its latest retained statement for 2025-12-31, revenue was €83,328 and operating profit was €267.
Business ID 3099520-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3099520-5
- Sector
- Research and experimental development on social sciences and humanities
- Municipality
- Riihimäki
- Company form
- Limited company
- Registration date
- 2019-11-20
- Business ID registration date
- 2019-11-15
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kaartokatu 10, 11100, Riihimäki
Email: [email protected]Source observation
Website: https://www.pnctm.fiSource observation
Linkedin profile: https://www.linkedin.com/company/92844842Source: company website
People and decision-makers
Haavisto Juho Antti IlmariPuheenjohtaja
Email: Email available for logged-in usersSource: company website
Phone: Phone available for logged-in usersSource: company website
Paula SusitaivalSuunnittelu & tuotannot
Email: Email available for logged-in usersSource: company website
Phone: Phone available for logged-in usersSource: company website
Direct contact details available for logged-in usersSome person-level contact details are shown only to registered users. The data is based on public sources, such as the company's own website.Log in to view decision-maker contact details
About Punctum & Studium Oy
Financial position and key figures for the company.
Punctum & Studium Oy's location municipality is Riihimäki. It is a limited company. The company was established on 2019-11-20. It operates in the industry of research and experimental development on social sciences and humanities. In its latest retained statement for 2025-12-31, revenue was €83,328 and operating profit was €267. The latest retained financial statement for 2025-12-31 shows revenue of €83,328 and profit for the financial year of €176. Based on the latest retained statement, revenue growth was +37.0%, operating margin was +0.3%, and equity ratio was +286.6%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Aluekehitys, julkishallinnon konsultointi, kulttuurituotanto ja kaikki muu laillinen liiketoiminta
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth37.0%
Operating margin0.3%
Equity ratio286.6%
Revenue€83,328+€22,502 (+37.0%) vs previous periodPrevious: €60,826
Operating profit (loss)€267-€12,180 (-97.9%) vs previous periodPrevious: €12,447
Profit (loss) for the financial year€176-€8,476 (-98.0%) vs previous periodPrevious: €8,652
Assets€4,937-€14,493 (-74.6%) vs previous periodPrevious: €19,430
Balance-sheet contextLatest financial period
Profit before taxes€252Previous: €12,447
Employees2Previous: 2
Revenue trend5 periods
€0
2021-12-31
€1,209
2022-12-31
€66,348
2023-12-31
€60,826
2024-12-31
€83,328
2025-12-31
Operating profit (loss) trend4 periods
-€73
2022-12-31
€5,076
2023-12-31
€12,447
2024-12-31
€267
2025-12-31
Profit (loss) for the financial year trend4 periods
-€72
2022-12-31
€5,074
2023-12-31
€8,652
2024-12-31
€176
2025-12-31
Assets trend5 periods
€1,186
2021-12-31
€1,074
2022-12-31
€15,845
2023-12-31
€19,430
2024-12-31
€4,937
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginPassable
51/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 26.8 % | 22.8 % | 33.6 % | 71.9 % | 286.6 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | - | -6.0 % | 7.7 % | 20.5 % | 0.3 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3099520-5
VAT IDFI30995205
EU IDFIFPRO.3099520-5
MunicipalityRiihimäki
Current registered entries
2019-11-15VAT-liable for business activity in Tax Administration (VAT Register)
2019-11-15Registered in Tax Administration (Prepayment Register)
2019-11-20Registered in Tax Administration (Tax Administration)
2019-11-20Registered in Patent and Registration Office (Trade Register)
2026-03-20Registered in Tax Administration (Employer Register)
Responsible people
Public role relationships materialized from source observations.
Direct contact details available for logged-in users.
Haavisto Juho Antti IlmariPuheenjohtajaSources: 5 · Confidence: 78%
Taskinen Arja HelenaVarsinainen jäsenSources: 4 · Confidence: 78%
Susitaival Paula InkeriVarsinainen jäsenSources: 3 · Confidence: 78%
Paula SusitaivalSuunnittelu & tuotannotSources: 1 · Confidence: 76%
Risk certificate
An open-data based company stability and risk signal.
BUSINESS.fi
BUSINESS.fi Luottoluokitus
Profile-specific risk signal based on open data
Automatic gradeNot a credit decision
A3
GoodPunctum & Studium Oy
75/100
Medium
Strong financial evidenceFinancial data included
Several key financial indicators show coordinated recovery.
4 comparable periodsRevenueImproving
ProfitabilityVolatile
SolvencyImproving · 3 consecutive periods
LiquidityNot enough history
Same size nationallyDescriptive comparison – does not change the model score.
393 peersSolvency99%
Better than 99% of peers
Profitability49%
Close to the peer-group midpoint
Revenue growth87%
Better than 87% of peers
Supporting factors
- Strong equity ratio
- Coordinated recovery across 2 financial domains
- Company context reduces the weight of an isolated financial signal
Risk factors to note
No material separate warning signals.
A3
2026-10-01
open-risk-grade-v0.14
The grade can use open digital financial statement data together with registry signals.
Risk context
When sufficient source-backed financial metrics are not available for a Tier 1 assessment, BUSINESS.fi shows registry, industry, and regional context.
Industry risklow
79/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsSeurattava
57/100
Registry history, filing recency, and active register markings are still limited or mixed.
Events & news
Verified events and sourced external company news in one timeline.
Registry timeline
Trade register notifications shown on a timeline.
6 register eventsLatest event: 2026-01-03
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-20.
This company profile has not been claimed yet
Punctum & Studium Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.